Insurance
Term life insurance provides a lump sum payment on the death of the life insured. Simply ask for a quote
People take term life cover
to pay out their debts and leave a lump sum to provide financial security for their partner and/or children. Businesses cover their assets ( Key Personal ) using Key Person Insurance.
Income Protection
Income Protection:
ideally everyone establishes income protection, as it is your key asset. The variables are the waiting period and benefit period. The waiting period should be extended to as long as possible to match with your financial position, such as sick, and long service leave. Income protection should not be viewed as protection for short term illness. It should be viewed as providing cover for an extended inability to work. What would happen to your financial situation if you were unable to work for 12 months due to illness? Read MoreDisability (TPD)
Total and Permanent Disability (TPD)
is usually taken as an extension to life cover. It provides a lump sum payment in the event that the life insured is totally and permanently disabled.Where people take income protection the amount of TPD cover can be reduced. As if you have correct income protection, in the event of total disablement the income protection policy will replace lost income. Read More
Trauma Insurance
Trauma Insurance
Trauma policies pay a lump sum in the event of an injury or sickness as defined in the policy document, (for example cancer, heart attack, stroke). This can be taken as a stand alone policy, or attached to a life insurance policy.There are basic trauma policies and there are extended trauma policies that cover a greater level of events (we only quote on the extended cover). Some policies offer TPD as a definition of trauma, therefore this can provide cost savings. Read More
|
||
Simply Contact Us
Level 1 - 1 Park RoadMILTON QLD 4064
Ph 1300 761 756
07 3369 4477
Fax 07 3369 4499 Learn more...
WARNING
The Australian Securities and Investments Commission has issued a warning about being sold life insurance policies by telemarketers. Read all...
General Advice: This information contained in this website has been prepared without taking into account your objectives, financial situation or particular needs and is General Advice only.
Associated Financial Planners Pty Ltd (the authorising licensee) or any related companies will not be held responsible for the merits of this advice to your circumstances.
Readers should only act on information after having received professional advice appropriate to their personal circumstances. Read Full Disclaimer
Associated Financial Planners Pty Ltd (the authorising licensee) or any related companies will not be held responsible for the merits of this advice to your circumstances.
Readers should only act on information after having received professional advice appropriate to their personal circumstances. Read Full Disclaimer